Rates current as of October 1, 2018
Building credit can be tough - we want to help
Establishing or improving your credit is important...especially when planning for large purchases like a car or home. The First Credit Union credit builder Visa® Rewards credit card is designed to help. Plus, while you build your credit you'll get rewarded too - every purchase, every day.
- Earn 1 point for every dollar you spend
- Earn TRIPLE points on your first $1,000 of purchases
- Redeem your points for cash, travel, or gift cards
- Shield yourself from fraud with the Visa Zero Liability policy
Plus, enjoy NO annual fee and NO balance transfer fee.
Earn points and redeem for choice of Extra Awards®
Redeem points at the Extra Awards site for your choice of awards.
- Travel
- Gift cards
- Cash
From your very first swipe on your very first purchase using your First Credit Union Visa® Rewards Credit Card, you'll start accruing points. Keep in mind it can take up to 30 days before you are able to view your points but you will certainly be able to watch your points increase at the Extra Awards site.
Current Rates
Rewards Credit Card Accounts
| Loan Advance | APR* |
|---|---|
| Introductory Rate** | 4.9% |
| Purchases | 11.90% - 21.90% |
| Balance Transfers, Cash Advances | 14.90% - 24.90% |
*APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rates will vary with the market based on Prime Rate. Rate subject to change without notice. Other loans are available. Call (480) 756-5500 for more information.
**Introductory 4.9% APR for a period of nine (9) billing cycles on purchases and balance transfers and does not apply to cash advances. After that your APR will be 11.90% to 24.90%, based on your creditworthiness. If you do not pay your entire balance by the due date each month, we will charge you interest on purchases. See Account Disclosures for complete details.
Consumer Credit Account Agreement Application and Solicitation Disclosure Consumer Fee Schedule
*APR=Annual Percentage Rate. 4.90% Introductory APR for a period of nine (9) billing cycles. After that your APR will be 11.65% to 24.65%, based on your creditworthiness. If you do not pay your entire balance by the due date each month, we will charge you interest on purchases. See Account Disclosures for complete details.
**Earn triple points on the first $1,000 of purchases and 1 point per $1 spent in purchases thereafter. Balance transfers and cash advances do not qualify as purchases.
***Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify card issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.
This card is issued by First Credit Union pursuant to a license from Visa U.S.A. Inc.
